As a yoga instructor, your focus is on helping others feel strong, centred, and healthy. But whether you teach in a studio, online, or in a park, there’s one thing you can’t control—unexpected accidents or claims. That’s where Yoga Instructor Insurance comes in. It gives you the peace of mind to keep doing what you love without worrying about "what if?"

At PetleyHare, we understand the unique risks that come with leading yoga classes across Ontario. Whether you’re just starting out or you’ve been teaching for years, we’ll help tailor a policy that protects your practice, your finances, and your reputation.

Get a personalized quote today and stay focused on your breath—not your liability.

Yoga Teacher Insurance Solutions

Your yoga journey is about mindfulness, movement, and helping others thrive. But it also comes with responsibilities. One injury, one misstep, or one misunderstanding can lead to legal or financial stress. That’s why yoga teacher insurance is a must-have.

  • Yoga studios
  • Home-based practices
  • Retreat centers
  • Virtual or mobile instruction

No matter where or how you teach, risks can arise. Students may attempt challenging poses, misuse equipment, or claim emotional distress due to your guidance. Even if you did everything right, you could still be held legally or financially responsible.

With our custom policies, you’ll be covered for a variety of situations, giving you the freedom to focus on what matters most: your students’ well-being. Whether you teach vinyasa, yin, restorative, or chair yoga, our team helps tailor coverage that aligns with your practice.

Yoga Insurance Coverage

No two yoga instructors teach the same way, and no two policies should be the same either. That’s why we offer flexible coverage options designed around how and where you teach.

  1. Professional Liability Insurance

    Also known as Errors and Omissions (E&O) insurance, this coverage protects you from allegations of professional negligence. If a client claims your instruction caused injury, professional liability insurance covers your legal fees, settlements, and more.

    This is especially important for instructors offering hands-on guidance, adjustments, or individualized plans. Even with the best intentions, misunderstandings can happen, and this coverage helps you handle them with confidence.

    Many instructors also offer additional services like meditation coaching or breathwork. These may carry unique risks and require additional coverage, which we can help you incorporate.

  2. Commercial General Liability

    This coverage protects you from third-party claims of bodily injury or property damage. For example:

    A student slips and falls on your studio floor.
    Someone trips over a yoga block and is injured.
    A client’s personal belongings are damaged during class.

    Yoga liability insurance like this is often required by studios and retreat spaces—and it’s essential for peace of mind. If you’re teaching at community centers, festivals, or corporate wellness events, this coverage may be the only way to participate.

  3.  Equipment Coverage

    Your tools—mats, straps, bolsters, blocks, and sound equipment—are essential to your work. If these are lost, stolen, or damaged due to fire, flood, or vandalism, equipment coverage helps cover the cost of replacement so your classes stay on track.

    Even if you travel to clients or rent temporary studio space, protecting your gear ensures you're never without the essentials. Equipment coverage can also apply to portable sound systems, massage tables, or mobility aids.

  4. Business Property Insurance

    If you operate your own studio space, business property insurance extends beyond your gear.

    It can help cover:

    • The physical building (if owned)
    • Mirrors, flooring, and wall fixtures
    • Office furnishings and décor

    This ensures your space is protected, allowing you to get back to business quickly after an incident. Renovating your space? Hosting multiple teachers? We’ll ensure your policy reflects your evolving setup.

  5. Cyber Liability Insurance

    In today’s digital world, many yoga instructors store client data, accept online payments, or offer virtual classes. Cyber liability insurance helps protect your practice if you experience a data breach or cyberattack.

    It can help cover:

    • Notification of affected clients
    • Credit monitoring services
    • Legal and IT recovery costs

    This coverage is becoming more important—especially for mobile or digital-first instructors. If you're managing bookings through apps or websites, this is a smart addition to your protection plan.

  6. Business Interruption Insurance

    If a fire, flood, or other insured event forces your yoga practice to pause, business interruption insurance replaces lost income and helps cover operating expenses while you recover. This is especially valuable for studio owners or instructors who rely on teaching as their sole source of income.

    Imagine a scenario where your studio is shut down for a week due to smoke damage, or your online platform experiences a cyber outage. This coverage keeps your business afloat while you focus on recovery.

Trusted Yoga Instructor Insurance in Ontario

PetleyHare is proud to be a local, family-run brokerage serving yoga instructors across Ontario for over 100 years. Our difference? We don’t offer one-size-fits-all policies. We work with top Canadian insurers to craft yoga insurance Ontario professionals can count on—whether you’re in Toronto, Port Perry, Oshawa, or anywhere in between.

We know the communities you work in. We support the wellness events you host. And we understand the importance of being insured by someone who actually listens. Our brokers take the time to get to know your teaching style, your class setup, and your business goals.

Whether you're a part-time instructor or run a multi-teacher studio, we’ll build a plan that grows with you.

Need help deciding what coverage fits your practice? Our experienced brokers are just a call or click away.

Visit our Oshawa office, stop by our Port Perry location, or explore more at PetleyHare.com.

Filing a Yoga Insurance Claim Is Simple

We know dealing with a claim can feel overwhelming—especially when your top priority is your clients. That’s why we make it easy.

Step 1: Ensure Client Safety & Record the Incident

Take care of your client and document the incident. Ensure safety and write down the details while they're fresh.

Step 2: Reach Out to Our Support Team

Contact our team. You can speak directly with your broker or connect directly with our claims support team.

Step 3: Gather and Submit Supporting Documents

Submit supporting documents, such as an incident report, photos, medical notes, or witness statements.

Step 4: We Handle the Heavy Lifting

We coordinate with your insurer to move the claim forward as quickly as possible.

Our goal is to minimize disruption and guide you through the process with empathy, clarity, and professionalism. You won’t have to go it alone—we’re with you every step of the way.

Trust Us to Protect Your Yoga Practice

As a yoga teacher, your connection to your students is built on trust—and you deserve that same sense of security from your insurance provider. At PetleyHare, we’re here to make sure you’re covered where it matters most.

With our yoga instructor insurance, you get:

  • Flexible coverage tailored to your needs
  • Local expertise and friendly service
  • Access to top Canadian insurance providers
  • Ongoing support throughout your teaching journey
  • Fast, stress-free claims support

We’re proud to be part of your wellness journey. Let us help you create a more resilient, protected, and confident yoga practice.

Get your free, no-obligation quote today and let us help you protect your practice with confidence.

Yoga Instructor Insurance FAQs

Have questions about yoga instructor insurance? You’re not alone! We’ve heard it all before. That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.

Is Yoga Instructor Insurance mandatory in Ontario?

While Yoga Instructor Insurance is not legally mandatory in Ontario, it is highly recommended. As a yoga instructor, you interact closely with clients, and accidents or misunderstandings can happen. Having insurance is a crucial step in protecting yourself from potential liability issues.

Without insurance, you may be personally responsible for covering legal fees, medical expenses, or property damage claims that can arise during your yoga classes.

What does General Liability Insurance cover for yoga instructors?

General Liability Insurance is a fundamental component of your insurance coverage. It covers bodily injury and property damage claims that may occur during your yoga classes.

For example, if a student accidentally injures themselves while practicing yoga in your class, this insurance will cover their medical expenses. Likewise, if someone’s personal property, such as a smartphone or yoga mat, gets damaged during your class, this coverage helps reimburse for the repairs or replacements.

How does Professional Liability Insurance benefit yoga instructors?

Professional Liability Insurance, or Errors and Omissions (E&O) insurance, is a critical aspect of your insurance protection. It is designed to shield you from claims of alleged professional negligence or misconduct in your practice. For instance, if a client claims that your guidance caused them harm physically or emotionally, this insurance covers the associated legal costs and any settlements, helping you maintain your professional reputation and financial security.

Can I get coverage for my yoga studio's equipment and property?

Yes, with our Yoga Instructor Insurance, you can obtain coverage for your business property, including your studio’s equipment and the physical space itself. This coverage ensures that your equipment is protected in case of theft, fire, vandalism, or damage. It also covers any necessary repairs or replacements, allowing you to maintain a welcoming and safe environment for your students.

Is Cyber Liability Insurance relevant for yoga instructors?

Cyber Liability Insurance is increasingly relevant for yoga instructors in today’s digital age. This coverage is essential for protecting against data breaches and cyberattacks that can compromise your client’s personal information.

Suppose your clients’ sensitive data, such as payment details or contact information, is exposed due to a cyberattack on your business. In that case, this insurance covers the costs of notifying affected individuals, providing credit monitoring, and addressing potential legal actions. It is a crucial safeguard in our interconnected world, ensuring the security of your practice and your client’s information.

What is yoga instructor insurance?

Yoga instructor insurance is a specialized policy designed to protect yoga teachers from potential liabilities, such as injuries to students during classes. It typically includes general liability, professional liability, and sometimes equipment coverage.

Why do yoga instructors need liability insurance?

Yoga instructors need liability insurance to safeguard against claims of negligence or injury during their classes. This coverage helps protect their financial assets and professional reputation in case of lawsuits.

How much does yoga instructor insurance cost?

The cost of yoga instructor insurance varies based on factors like coverage limits, location, and the insurer. On average, it can range from $150 to $400 annually, providing essential protection for instructors.

Have more questions? Want to chat with a local expert? Contact our team today. We’re happy to help you protect what matters most.

Yoga Instructor Insurance Insights